Updated:  22 October 2025 Written by Ben Stephenson, CeMAP‑qualified Mortgage Broker, reviewed by Mortgage Experts. Manor Mortgages Direct is FCA authorised (496907), has been in business nearly 30 years and is highly positively reviewed, 4.9 rated on Google. We have helped thousands successfully secure the right mortgage. Bristol‑based, assisting clients nationwide. Yes , paying off or paying down credit cards before you apply often improves your prospects, although outcomes

Updated: 22 October 2025 Written by Ben Stephenson, CeMAP‑qualified Mortgage Broker, and reviewed by Mortgage Experts.  Manor Mortgages Direct is FCA authorised, 496907, established for nearly 30 years and highly reviewed, 4.9 on Google. We have helped thousands secure the right mortgage. We are Bristol based brokers who can assist nationwide. Yes, many UK mortgage underwriters do review gambling transactions on bank statements , usually across the most recent three to six mo